I have a collection that is wrong but do I fight it or just pay it off?

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Jay C

I have a collection that is wrong but do I fight it or just pay it off?

I recently checked my credit report and found a collection on my account for a utility bill from 2004. The amount is not very large but I know it must be wrong because I never lived in that city since 2002. Is it an easier resolution to just pay the debt or do I try and fight it?

Grandpa

i would fight it first i would call the light co.and see what they say then i would contact the collection co and get it removed i would fight it

Jerry S

fight it and clear your credit, why should you pay any bill
no matter how small it maybe if you do not owe it?

Uh huh, go on I'm listening

It's possible it was from 02' but wasn't sent in to collections till 04'.
Contact who the debt is from, they'll give you more info than your credit report will (ie exact dates debt accrued)
The same thing happened to me. I said I don't owe them that! I haven't lived there in x-number of years! But I did owe them, it was from previous years. I paid it.
Once you find out more about the debt, then decide what to do.
good luck.

prcsdime

You should dispute this with the credit bureau.

Definetly fight it.

A default on your credit file, whether paid or not, can affect your credit rating for up to 7 years, depending on the lenders criteria. So if you don't fight it, it may mean you wont be able to apply for credit for a very long time.

Zeeekman55

Fight it because if you have proof that they made a mistake and you present it to them, then you dont have to worry!

Best of luck.

bubiandme

Fax all your prove to the collection agency listed. If you can prove that it wasn't you bill they will take it off asap.

Crazyjester9

Send the collection agency a demand to validate letter and they will have to provide you all the accounting and proof that you have a legal obligation to pay this debt.

Chances are with it being that old they simply won't respond and it will get deleted. If they do respond then you can go about showing them that they have the incorrect person.

CrackBerry Addict

I encourage you to dispute the validity of the debt. If it is verified then you can pay it. If not, then it will be removed from your credit report.

Below is a link to a web site that deals with validating debts:

http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Joleen's Mommy

fight it but through the credit bur that way it will be marked being disputed on your report and that way it will get taken off your report not just marked paid when it is corrected.

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